TechTalk

Expert commentary and analysis on market developments. Plus guidance on identifying planning opportunities.

In this techtalk

See how your business could benefit as our Financial Planning team
looks at a range of topics on retirement planning and protection.

Reviewing Pension Death Benefits

We outline key considerations where pension reviews identify schemes with non-discretionary death benefits or that don't offer the full range of pension freedoms options.

SELF-EMPLOYED PROTECTION CONSIDERATIONS

In an uncertain economic outlook, we consider the protection needs for self-employed people – and the possible implications of the delayed IR35 reforms. 

IT’S TIME TO TALK ABOUT CAPACITY FOR LOSS

Embedding capacity for loss into the advice process can help deliver better outcomes for retirement income clients. 

WORKPLACE PENSION CHANGES AND EMPLOYER CONSULTATION

An overview of the requirement for employers to consult staff when making certain changes to workplace pension schemes. 

ILL-HEALTH PENSIONS – EARLY RETIREMENT & LUMP SUMS

We explain HMRC’s rules for ill-health early retirement and serious ill-health lump sums – along with some planning considerations. 

THE TAX BENEFITS OF SALARY SACRIFICE

Salary sacrifice remains a popular and effective pension planning strategy. Advisers, clients and employers should be aware of the pros and cons. 

FLIGHT TO CERTAINTY? WILL ANNUITIES MAKE A COMEBACK?

We consider what may change for clients in drawdown who have experienced market volatility for the first time in their retirement journey. 

FAD PLUS ANNUITY CAN EQUAL FLEXIBILITY & SECURITY

We use a case study to illustrate how combining FAD with annuities can create tailored retirement income solutions offering both security and flexibility. 

THERE’S NEVER BEEN A MORE IMPORTANT TIME TO TALK ABOUT PROTECTION

As Government support winds down, we consider the importance of protection to business owners and the self-employed. 

PENSIONS AND THE CORONAVIRUS JOB RETENTION SCHEME

A summary of the CJRS and its effect on the calculation of pension contributions. 

SUPPORTING VULNERABLE CLIENTS

We consider key implications of the FCA’s focus on meeting the needs of vulnerable clients. 

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